I'm an active investor doing cash flow deals in Oklahoma, Pennsylvania, Georgia, and Michigan.I'd be happy to compare real estate market notes with you.

There are a few STR's in the area that are comparable.

Just have to keep comparing companies.. 

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

There’s likely a carrier that’s most aggressive in the city where your 4 unit is located and comparing your premium to that of similar properties  nearby will be the most accurate assessment and point you in the direction of the most aggressive carrier.

I had someone message me about my debt fund and was like "not FDIC insured", no kidding - you are comparing apples and oranges and thus their is a risk premium for investing.

But if your goal is rapid expansion, keeping that extra cash to invest in more properties might be more beneficial for scaling.If you're able to grow at 3-4 SFH per year, putting the extra money into expanding your portfolio could generate higher returns overall compared to paying off the loans early.

I come from a background of buying dental offices, and if you don't have 3 years income to compare you cant' really tell how things are going for that particular office.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

Hi there,Considering a duplex as your primary home and renting out the other unit is a great idea, but you need to understand how interest rates work in this scenario.When you buy a duplex and plan to live in one unit, you can still qualify for a residential mortgage, which typically has better interest rates compared to commercial loans.